Remortgages

Whether your current deal is ending, you’re looking to secure a better rate, or you want to raise funds for improvements or other plans, NexGen Finance provides clear, structured support throughout the remortgage process.

We help homeowners review their options, compare suitable products and move through the application quickly and efficiently, ensuring a smooth transition from your existing mortgage to your new one.

Why Remortgage?

• ✔ Secure a better interest rate
• ✔ Reduce monthly payments
• ✔ Fix your rate for long-term stability
• ✔ Raise funds for home improvements or investments
• ✔ Consolidate borrowing
• ✔ Switch to a more suitable product

How We Help

• 📊 Review your current mortgage and future goals
• 🏦 Compare remortgage products across the market
• 🧾 Assist with documents, affordability and lender checks
• 🚀 Help you complete the process before your existing deal ends
• 📉 Explore options for lowering payments or raising capital

Reasons Homeowners Choose to Remortgage

Secure a Better Rate

If your fixed rate is ending, switching early can help avoid being moved onto a higher standard variable rate.

Raise Funds

Many homeowners raise capital through remortgaging for renovations, extensions, business use or personal projects.

Change Mortgage Type

Switching from variable to fixed (or vice versa) can help with long-term planning or take advantage of rate movements.

Debt Consolidation

Some borrowers combine borrowing into one manageable monthly payment — we help assess options clearly and responsibly.

The Remortgage Process

1. Review & Planning

We look at your existing rate, remaining term and goals to outline suitable options.

2. Product Comparison

We compare lenders, rates and criteria to find competitive products based on your circumstances.

3. Application

Once you choose a product, we assist with documents, valuations and lender checks.

4. Mortgage Offer

When your offer is issued, your solicitor completes the legal steps required for switching lenders.

5. Completion

Your old mortgage is repaid and your new product begins — often with lower payments or improved terms.

Common Remortgage Challenges

• ✔ Changes in income since the last mortgage
• ✔ Affordability tightening due to rising rates
• ✔ Credit changes since the original application
• ✔ Complex property types
• ✔ Equity release or large capital raises

Get Started

If your current deal is ending or you want to explore better options, NexGen Finance is here to help. We make the remortgage process clear from start to finish.

Contact us today to begin your remortgage review.